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Upturn AI SWOT - About
CIA 
Citizens Inc (CIA)
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Upturn Advisory Summary
04/01/2025: CIA (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 43.25% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 227.58M USD | Price to earnings Ratio 15.72 | 1Y Target Price 5 |
Price to earnings Ratio 15.72 | 1Y Target Price 5 | ||
Volume (30-day avg) 116249 | Beta 0.11 | 52 Weeks Range 1.78 - 5.95 | Updated Date 04/1/2025 |
52 Weeks Range 1.78 - 5.95 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-12 | When Before Market | Estimate 0.09 | Actual 0.1509 |
Profitability
Profit Margin 6.09% | Operating Margin (TTM) 5.85% |
Management Effectiveness
Return on Assets (TTM) 0.56% | Return on Equity (TTM) 7.8% |
Valuation
Trailing PE 15.72 | Forward PE 15.04 | Enterprise Value 207649536 | Price to Sales(TTM) 0.93 |
Enterprise Value 207649536 | Price to Sales(TTM) 0.93 | ||
Enterprise Value to Revenue 0.83 | Enterprise Value to EBITDA - | Shares Outstanding 49907400 | Shares Floating 44699523 |
Shares Outstanding 49907400 | Shares Floating 44699523 | ||
Percent Insiders 10.38 | Percent Institutions 17.11 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Citizens Inc
Company Overview
History and Background
Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas. It primarily focuses on providing life insurance products to individuals, families, and businesses, particularly in underserved markets. The company has expanded internationally over time, targeting areas with unique needs and demographics.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including term life, whole life, and universal life insurance, designed to meet diverse customer needs, particularly expat communities.
- Annuities: Provides fixed and variable annuities designed to provide income streams to individuals.
- Preneed: Offers preneed funeral insurance plans.
Leadership and Structure
Robert P. Powell serves as the Chairman, President, and CEO. The company's organizational structure is designed to support its international operations and diverse product offerings.
Top Products and Market Share
Key Offerings
- International Whole Life Insurance: Provides life insurance to individuals living and working abroad. This is a significant revenue source for Citizens, but specific market share data is not publicly available. Competitors include international divisions of larger insurance companies like AIG and Allianz and specialized expat insurance providers.
- U.S. Term Life Insurance: Provides term life insurance in the United States. This segment competes with major U.S. life insurers like Prudential, MetLife, and New York Life.
- Preneed Funeral Insurance: Final expense insurance policies. Competitors include Security National Life Insurance Company, Lincoln Heritage Life Insurance Company, and National Guardian Life Insurance Company.
Market Dynamics
Industry Overview
The life insurance industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and demographic shifts. The industry continues to evolve with digitalization and changing consumer preferences.
Positioning
Citizens Inc positions itself as a niche player, focusing on underserved markets, including international expatriates and individuals seeking smaller face amount policies. Its competitive advantage lies in its specialized product offerings and international presence.
Total Addressable Market (TAM)
The global life insurance market is estimated to be in the trillions of dollars. Citizens Inc's positioning focuses on specific segments within this market.
Upturn SWOT Analysis
Strengths
- Niche market focus (expatriates and underserved markets)
- International presence
- Specialized product offerings
- Long-standing experience in the insurance market
Weaknesses
- Smaller size compared to major competitors
- Concentration in specific markets may increase risk
- Limited brand recognition in mainstream markets
Opportunities
- Expansion into new international markets
- Development of innovative insurance products
- Leveraging technology to improve efficiency and customer service
- Strategic partnerships and acquisitions
Threats
- Regulatory changes in different countries
- Economic downturns affecting insurance demand
- Increased competition from larger insurers
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- AIG (AIG)
- Prudential (PRU)
- MetLife (MET)
- Allianz (ALV.DE)
Competitive Landscape
Citizens Inc competes with larger, more established insurance companies. Its competitive advantage lies in its focus on specific underserved markets. The competitive disadvantage is the brand recognition.
Major Acquisitions
Anthem Life Insurance Company
- Year: 2019
- Acquisition Price (USD millions): 32.5
- Strategic Rationale: Expanded Citizens' presence in the preneed market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends depend on past financial performance.
Future Projections: Future growth projections require analyst estimates.
Recent Initiatives: Recent initiatives might include market expansion, product development, and technological upgrades.
Summary
Citizens Inc is a smaller insurance company that specializes in niche markets like expatriate insurance. While this specialization offers some protection, it also increases its risk. The company needs to find a balance between maintaining specialization and improving broader growth potential to grow and compete.
Similar Companies
- AIG
- PRU
- MET
- NNN
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- SEC filings (where available)
- Market Analysis
Disclaimers:
This analysis is based on publicly available information and general knowledge. Actual performance may vary. This is not financial advice. Consult a qualified professional before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Inc
Exchange NYSE | Headquaters Austin, TX, United States | ||
IPO Launch date 1988-12-05 | President & CEO Mr. Jon Scott Stenberg | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 247 | Website https://www.citizensinc.com |
Full time employees 247 | Website https://www.citizensinc.com | ||
Citizens, Inc. provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
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